Straight talk about the money side of running a small agency — how carrier commissions actually work, where they leak, and how to catch it before it costs you.
Most agents glance at the total, see a number that looks about right, and file the statement away. That glance is exactly where the money leaks out. Here's how to actually read one — section by section — and the five errors worth hunting for.
Read the guide →Some chargebacks are legit. Plenty aren't — wrong policy, wrong amount, charged back twice, or clawed back long after your contract says the window closed. Here's how to tell the difference and exactly what a dispute that works looks like.
Read the guide →Nobody publishes an official number — anyone who quotes you one is guessing. But agents who do check their statements keep finding real money. Here's what the reported cases actually add up to, and how to estimate your own exposure.
Read the breakdown →New business pays one rate, renewals pay another, and carriers mix them up more often than you'd think. Worse, a renewal line that quietly disappears costs you money every single term. Here's a monthly routine for keeping both straight.
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